Way to not use a real bank account to test plaid integrations

Question

This may be a stupid question, but I'm trying to figure out a way to develop an application that integrates with Plaid's API without using a real bank account to test it. I'm not a US citizen and therefore I do not have a real bank account on the banks Plaid supports.

Is there a way to make this kind of testing without having a real bank account?

score 5 · Accepted Answer · answered Nov 17 '16 at 13:51

5

For this authentication API https://tartan.plaid.com/auth you can use following test credentials : 'client_id=test_id,secret=test_secret,username=plaid_test,password=plaid_good,type=wells'

As given in documentation of integrating Plaid API into your Application,you can use this test credentials for testing purpose.

Follow this link for more information about it https://plaid.com/docs/api/#add-auth-user

answered Nov 17 '16 at 13:51

Rvz

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2

1

@ufdeveloper I don't believe so. With the new API (I am using 2018-05-22), I had to gain the access_token using the quickstart app, running it in Sandbox mode using the clientID, secret, and public key associated with my Plaid Account (in sandbox), then through the quickstart app's web interface, I chose Well Fargo as the bank and entered `user_good` and `pass_good` as the username and password, as per the instructions in my Plaid account. This gives me a sandbox account which periodically updates with new transactions. – Michael Plautz Oct 15 '18 at 17:47

score 4 · Answer 2 · edited Jul 30 '21 at 06:50

4

For sandbox mode, you can test with following details in plaid

currently in Sandbox mode. Credentials »

username: user_good

password: pass_good

Docs

edited Jul 30 '21 at 06:50

Dmitry Grinko

13,806
14
62
86

answered Aug 24 '20 at 13:16

Sagar Jethi

2,313
20
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score 1 · Answer 3 · answered Dec 20 '19 at 21:24

This question may be old but there is an updated way of accomplishing this. When working in the sandbox environment, the option now also exists to have flexible item configurations and realistic-looking data. By using the user_custom and a json password that conforms to a schema.

For example
username: user_custom
password:

{
  "override_accounts": [
    {
      "type": "depository",
      "subtype": "checking",
      "transactions": [
        {
          "date_transacted": "2019-10-01",
          "date_posted": "2019-10-03",
          "currency": "USD",
          "amount": 100,
          "description": "1 year Netflix subscription"
        },
        {
          "date_transacted": "2019-10-01",
          "date_posted": "2019-10-02",
          "currency": "USD",
          "amount": 100,
          "description": "1 year mobile subscription"
        }
      ]
    }
  ]
}

Way to not use a real bank account to test plaid integrations

3 Answers3